Context-aware, vehicle-based mobile banking

ABSTRACT

A computer-implemented method includes authenticating, by a processor of a financial institution computing system, a user of a vehicle with a financial account of the user. The vehicle is associated with the financial account and the user is physically located within the vehicle. Data relating to the vehicle is received. A task is selected based on the data. The task is to be performed by the user. Performance of the task by the user is facilitated.

CROSS-REFERENCE TO RELATED PATENT APPLICATIONS

This application is a continuation of U.S. application Ser. No.17/220,712, filed on Apr. 1, 2021, which is a continuation of U.S.application Ser. No. 15/204,815 (now U.S. Pat. No. 10,997,570), filed onJul. 7, 2016, and claims the benefit of priority to U.S. ProvisionalApplication 62/190,997, filed Jul. 10, 2015, the contents of which areincorporated herein by reference in their entirety.

BACKGROUND

The proliferation of smart devices has enhanced individuals'productivity and quality of life. For example, smartphones allowindividuals to send and receive email messages while away from theiroffices; wearable devices allow individuals to monitor and track theirphysical activity and sleep patterns; and vehicle telematics systemsprovide enhanced communication and navigation functionality for drivers.However, an ongoing need exists for context-aware smart devices that cansense their physical environment and adapt their behavior andfunctionality accordingly.

SUMMARY

Various embodiments relate to a computer-implemented method offacilitating context-aware, vehicle-based tasks. One example methodincludes authenticating, by a processor of a financial institution (FI)computing system, a user of a vehicle with a financial account of theuser. The vehicle is associated with the financial account and the useris physically located within the vehicle. Data relating to the vehicleis received. A task is selected based on the data. The task is to beperformed by the user within the vehicle. Performance of the task by theuser is facilitated.

Various other embodiments relate to a context-aware, vehicle-basedmobile banking system. One example system includes a server system,including a processor and instructions stored in non-transitorymachine-readable media. A user of a vehicle is authenticated with afinancial account of the user. The vehicle is associated with thefinancial account and the user is physically located within the vehicle.Data relating to the vehicle is received. A task is selected based onthe data. The task is to be performed by the user within the vehicle.Performance of the task by the user is facilitated.

Various other embodiments relate to computer-implemented methods offacilitating context-aware, vehicle-based mobile banking. One exampleembodiment includes authenticating, by a processor of an FI computingsystem, a user of a vehicle with a financial account of the user. Thevehicle is associated with the financial account and the user isphysically located within the vehicle. Data relating to the vehicle isreceived. A task is selected based on the data. The task is to beperformed by the user within the vehicle. Performance of the task by theuser is facilitated.

BRIEF DESCRIPTION OF THE DRAWINGS

The details of one or more implementations are set forth in theaccompanying drawings and the description below. Other features,aspects, and advantages of the disclosure will become apparent from thedescription, the drawings, and the claims, in which:

FIG. 1 is a block diagram illustrating a data processing system,according to an embodiment.

FIG. 2 is a block diagram of the smartphone of the system of FIG. 1 ,according to an embodiment.

FIG. 3 is a block diagram of the vehicle of the system of FIG. 1 ,according to an embodiment.

FIG. 4 is a flow diagram of a method of facilitating context-aware,vehicle-based mobile banking, according to an embodiment.

FIG. 5 is a flow diagram of a method of facilitating context-aware,vehicle-based mobile banking, according to another embodiment.

DETAILED DESCRIPTION

Before turning to the figures which illustrate example embodiments, itshould be understood that the application is not limited to the detailsor methodology set forth in the following description or illustrated inthe figures. It should also be understood that the phraseology andterminology employed herein is for the purpose of description only andshould not be regarded as limiting.

Online banking enables users to conduct financial transactions over aplatform (e.g., a website) provided by an FI at which a user holds afinancial account. As users become increasingly connected to theInternet (e.g., via smart devices, smartphones, smart vehicles, etc.),users may be able to perform various tasks, such as online banking, morefrequently, efficiently and naturally, and with fewer limitations.Embodiments described herein provide the technical improvement ofproviding a platform to facilitate online banking over non-traditionalmobile banking devices, such as smart vehicles. Embodiments describedherein also provide the technical improvement of anticipating tasks(e.g., financial transactions) that are relevant to a user based on amonitored context of the user and/or smart device of the user, andfacilitating such tasks while minimizing user effort. Embodimentsdescribed herein further provide the technical improvements of providingusers with more timely information and obtaining information from userson a more timely basis, based on a detected context of the user and/orsmart device of the user. Such technical improvements are necessarilyrooted in computer-based technology. In particular, the technicalimprovements are necessarily rooted in the systems and networks requiredto facilitate online banking via smart devices. The technicalimprovements are also necessarily rooted in the systems and networksrequired to facilitate context-aware mobile computing (e.g., onlinebanking), based on a monitored context of a user and/or smart device ofthe user.

In general, embodiments of the present disclosure provide systems andmethods for context-aware mobile computing and, more specifically,context-aware, vehicle-based mobile banking. The systems and methods ofthe present disclosure enhance users' productivity by detectingparticular contexts (e.g., down-time events) relating to a user'soperation of a vehicle. Based on the context, various tasks (e.g.,mobile banking tasks) that are suitable to be performed in the detectedcontext are anticipated and information relating to those tasks istransmitted to the user via the vehicle. According to variousembodiments, tasks may be active (e.g., categorizing transactions intobudget categories or transferring funds), passive (e.g., viewing abudget status or a targeted advertisement), or any combination thereof.

FIG. 1 is a block diagram illustrating a data processing system 100,according to an embodiment. The data processing system 100 includes anFI computing system 102 configured to, among other things, managepersonal financial accounts at one or more FIs. In the example of FIG. 1, the FI computing system 102 is an enterprise computing system of an FIat which a user has one or more financial accounts.

The data processing system 100 also includes client devices 104 andthird-party computing systems 106. The FI computing system 102, theclient devices 104, and the third-party computing systems 106 are inoperative communication with each other via a network 108 (e.g., theInternet or an intranet).

The FI computing system 102 may include, among other circuits, a networkinterface circuit 110, an account management circuit 112, and acontext-based activity circuit 114. Such circuits and other circuitsdiscussed herein may, in practice, be implemented in a machine (e.g.,one or more computers or servers) comprising machine-readable storagemedia (e.g., cache, memory, internal or external hard drive or in acloud computing environment) having instructions stored therein whichare executed by the machine to perform the operations described herein.For example, the FI computing system 102 may include server-basedcomputing systems, for example, comprising one or more networkedcomputer servers that are programmed to perform the operations describedherein. In another example, the FI computing system 102 may beimplemented as a distributed computer system where each function isspread over multiple computer systems.

Turning to the FI computing system 102, the network interface circuit110 of the FI computing system 102 may be used to connect the FIcomputing system 102 to the Internet to permit users to access the FIcomputing system 102, for example, through an online banking website orother website, through an application, through a display or audiointerface on one or more of the client devices 104 (e.g., a smartphoneor vehicle display), or in other ways. For example, the networkinterface circuit 110 may include one or more computers or web serversthat provide a graphical user interface (e.g., a series ofdynamically-generated web pages) for users that access the FI computingsystem 102 through the web. The graphical user interface may be used toprompt the user to provide login information, passwords, or otherauthentication information (e.g., voice commands, gestures, biometrics,etc.) or other stored tokens. Upon successfully authenticating the user,the graphical user interface may be used to provide the user withaccount information. The network interface circuit 110 may also compriseother circuits that are configured to provide an interface for othertypes of devices such as mobile devices (e.g., cellular phones, smartphones, tablet computers, mobile e-mail devices, etc.), vehicledisplays, fax machines, ATMs, server-based computing systems, etc. Thenetwork interface circuit 110 may provide access to an applicationprogramming interface (API) for vehicle telematics and/or infotainmentsystems, such as GM OnStar™, Ford SYNC™, Android Auto™, Apple CarPlay™etc. In some embodiments, the FI computing system 102 is structured tomanage other types of services, such as authentication systems fornon-banking applications; device management, such as vehicle andinternet-of-things (“IoT”) device management; social media accountmanagement; etc.

The account management circuit 112 may interact with various backendsystems in connection with maintaining financial accounts for accountowners. For example, the account management circuit 112 may manage bankaccounts (e.g., checking and savings accounts) and credit card accounts.It should be understood that the accounts may include, for example, fiatcurrency and/or math-based currency accounts. The account managementcircuit 112 may store account information for various users' accounts inone or more accounts databases 120. The account management circuit 112manages each user's accounts by facilitating, among other things,account processing, account records, statement generation, budgeting,bill pay, funds transfers, etc. Account records include, among otherthings, records of financial transactions associated with each account.Financial transactions may include, for example, credits or debits to auser's account, such as the purchase of a good or the deposit of apaycheck, and various metadata associated therewith. The context-basedactivity circuit 114 is configured to facilitate various types of useractivity based on a detected context. Context can include any of variousfactors, such as geolocation, detected activity (e.g., driving),proximity to other devices or locations, other external conditions(e.g., traffic or weather), etc. Different detected contexts may beparticularly amenable to different tasks. For example, a contextindicating that the user is driving in a vehicle on an expressway may beamenable to a passive audial task (e.g., checking an account balance).As another example, a context that a user has arrived to afrequently-patronized merchant may be amenable to providing accountbalances or budget statuses relating to that merchant, or displaying adsor offers relating to that merchant. According to various embodiments,the context-based activity circuit 114 may facilitate a task based on a“push,” such as a notification or request transmitted to the user. Thecontext-based activity circuit 114 may also initiate a task based on a“pull,” such as a request or command received from the user.

The context-based activity logic 114 may also determine a particularauthentication type or level necessary to perform a certain task. Forexample, if it is detected that the user is driving and wants to checkan account balance, the context-based activity logic 114 may requestthat the user provides a voice sample for voice authentication. If it isdetected that the user is driving and wants to perform a financialtransaction, the context-based activity logic 114 may request that theuser speaks a password, thereby providing two-factor authenticationincluding a voice sample and a known password. If it is detected thatthe user is within a vehicle but the vehicle is parked, thecontext-based authentication logic 114 may prompt the user to provide agesture or biometric sample for authentication. In some embodiments, thevehicle is associated with the user during an on-boarding device,thereby providing a “something you have” authentication factor for theuser. This can be combined with other forms of authentication (e.g.,“something you know” and “something you are”) to provide multi-factorauthentication.

The client devices 104 include, for example, a smartphone 122, awearable device 124, and a vehicle 126. The client devices 104 are inoperative communication with each of the FI computing system 102, thethird-party computing systems 106, and with other of the client devices104 via the network 108. The structure of the client devices 104 isdescribed further in connection with FIGS. 2 and 3 . Essentially, theclient devices 104 interface with the FI computing system 102 tofacilitate various activities, such as mobile banking. The clientdevices 104 provide input/output capabilities to implement thefunctionality of the context-based activity circuit 114 of the FIcomputing system 102. In addition, the client devices 104 may providedata (e.g., geolocation data) to each of the FI computing system 102 andthe third-party computing system 106.

The third-party computing systems 106 include, for example, advertisingsystems 128, mapping systems 130, and traffic analysis systems 132. Insome embodiments, one or more of the advertising systems 128, themapping systems 130, and the traffic analysis systems 132 areimplemented by the FI computing system 102 rather than by thethird-party computing systems 106. The third-party computing systems 106are in operative communication with each of the FI computing system 102,the client devices 104, and with other of the third-party computingsystems 106 via the network 108. The third-party computing systems 106provide enhanced functionality to each of the FI computing system 102and the client devices 104.

The advertising systems 128 interfaces with the context-based activitycircuit 114 of the FI computing system 102 to provide advertisements andoffers to users via the client devices 104. Advertisements an offers mayinclude any combination of text, images, audio, video, etc. Theadvertising systems 128 may include one or more merchants, advertisingagencies, brokers, etc. The context-based activity circuit 114 mayrequest advertisements or offers from the advertising systems 128 basedon input data received from any of the FI computing system 102 (e.g.,account balances) the client devices 104 (e.g., device geolocation), andthe third-party computing systems 106 (e.g., merchant locations). Thecontext-based activity circuit 114 provides the input data to theadvertising systems 128 and the advertising systems 128 match the inputdata to advertising parameters of a database of advertisements andoffers, and return the most relevant advertisement or offer to thecontext-based activity circuit 114. The context-based activity circuit114 then conveys the advertisement or offer to one or more of the clientdevices 104 where it is presented to the user.

The mapping systems 130 and traffic analysis systems 132 provide digitalmapping, navigation, and traffic information to the client devices 104.For example, the mapping systems 130 may generate digital maps anddirections based on the geolocation of the client devices 104 (e.g., viaa GPS signal or by triangulating distances from surrounding cellularphone towers). The mapping systems 130 and traffic analysis systems 132may access internal or third-party databases (e.g., Google™, Here™,Waze™, Facebook™, Twitter™, Instagram™ Yelp™ FourSquare™, Trip Advisor™,OpenTable™, etc.) to provide mapping, navigation, and traffic data, aswell as social media integration, reviews, merchant details, reservationfunctionality, etc. The traffic analysis systems 132 provide real-timetraffic information to the client devices 104. In one embodiment, thetraffic analysis systems 132 analyze geolocations received (e.g.,crowdsourced) from a large number of client devices 104 (e.g.,smartphones 122 and vehicles 126). The traffic analysis systems 132build a real-time traffic map based on monitoring the geolocationsignals over time to determine the speed of each of the client devices104. The traffic analysis systems 132 can also detect when clientdevices (e.g., vehicles 126) are stopped. The traffic analysis systems132 can monitor traffic trends to determine typical traffic activity.For example, the traffic analysis systems 132 can determine the averagestop time for each traffic light or the average wait line for adrive-thru, based on the time of day and day of week. The context-basedactivity circuit 114 can use this information to determine the contextof the client devices 104 in order to facilitate optimal context-basedactivities.

Referring to FIG. 2 , a block diagram of the smartphone 122 of FIG. 1 isillustrated, according to an embodiment. According to variousembodiments, the smartphone 122 is any of a laptop computer, tabletcomputer, PDA, smartphone, portable media device, augmented realitydevice, etc. While FIG. 2 illustrates a block diagram of the smartphone122, the wearable device 124 of FIG. 1 may include similar or the samefeatures as those described in connection with the smartphone 122 andFIG. 2 . As illustrated in FIG. 2 , the smartphone 122 includes ahousing 202. The housing 202 is coupled to the various electricalcomponents of the smartphone 122. The smartphone 122 also includes aprocessor 204 and memory 206. The memory 206 includes program modulesthat, when executed by the processor 204, control the operation of thesmartphone 122. The memory 206 may also store various applications, suchas an application of the FI that facilitates communication between thesmartphone 122 and the various computing systems of the FI computingsystem 102. The memory 206 may include any combination of RAM, ROM,NVRAM, etc.

The smartphone 122 also includes at least one network interface 208. Inone example, the network interface 208 is a wireless network interface.The network interface 208 includes any of a cellular transceiver (e.g.,CDMA, GSM, LTE, etc.), a wireless network transceiver (e.g., 802.11X,Bluetooth, NFC, Bluetooth Low Energy (BLE), RFID, ZigBee, etc.), or acombination thereof (e.g., both a cellular transceiver and a Bluetoothtransceiver). The network interface 208 is capable of communicating withthe other client devices 104 (e.g., via 802.11x, Bluetooth, BLE, NFC,RFID, etc.). Additionally, the network interface 208 is capable ofcommunicating with the FI computing system 102 via the network interfacecircuit 110 over the network 108 (e.g., via the Internet as accessedthrough a cellular data network).

The smartphone 122 also includes a display 210 and a user input/output212. In some examples, the display 210 and the user input/output arecombined (e.g., as a touchscreen display device). In other examples, thedisplay 210 and the user input/output 212 are discrete devices. The userinput/output 212 includes any of touchscreen displays, buttons,speakers, keyboards, notification LEDs, microphones, biometric sensors(e.g., fingerprint scanners), switches, cameras, or a combinationthereof.

In some implementations, the smartphone 122 includes a location sensor214 (e.g., a GPS device) for determining the location of the smartphone122. The smartphone 122 also includes a power source 216. The powersource 216 may include any combination of grid power and battery power(e.g., alkaline batteries, lithium batteries, rechargeable batteries,etc.). In examples where the power source 216 is a rechargeable battery,the smartphone 122 also includes the circuitry necessary to recharge thebattery.

The smartphone 122 also includes a context-based activity circuit 218.The context-based activity circuit 218, alone or in conjunction with thecontext-based activity circuit 114 of the FI computing system 102, isconfigured to facilitate various types of user activity based on adetected context. As described above in connection with thecontext-based activity circuit 114, the context-based activity circuit218 may analyze a context of the user by analyzing data received fromany of the FI computing system 102, the client devices 104, and thethird-party computing systems 106. In order to make the context-basedactivity circuit 218, the FI computing system 102 may provide a softwareapplication that is available to be downloaded onto the smartphone 122(e.g., directly or via an app store). Installation of the softwareapplication may then be performed. Thereafter, the thus-modifiedsmartphone 122 includes the context-based activity circuit 218 (embodiedas a processor and instructions stored in non-transitory memory that areexecuted by the processor).

In some embodiments, the smartphone 122 operates as the presentationlayer and the vehicle 126 (more specifically, displays and/or speakersin the vehicle) operate as the application layer. In other words, thesmartphone 122 (e.g., via a banking application running on thesmartphone 122) may manage and process information transmitted betweenthe vehicle 126, the FI computing system 102, and other systems.

Turning to FIG. 3 , a block diagram of the vehicle 126 of FIG. 1 isillustrated, according to an embodiment. In general, the vehicle 126includes a powertrain 302, numerous vehicle sensors 304, audio/visualdevices 306, and an electronic control system 308. The powertrain 302includes an internal combustion engine 310 operatively coupled to atransmission 312. The engine 310 can be powered by any of severaldifferent types of fuel, such as gasoline, diesel, natural gas, etc. Thetransmission 312 includes a plurality of gears through which torque istransferred from the engine 310 to satisfy various torque demands. Inother embodiments, the transmission 312 is a continuously variabletransmission. The vehicle sensors 304 can include hundreds of sensorsthat measure a wide range of vehicle operating parameters (e.g.,geolocation, speed, occupant status, etc.) and operator inputs (e.g.,accelerator position, gear selection, etc.).

The audio/visual devices 306 may include any of various devices capableof transmitting and receiving audio and video, such as speakers,microphones, display devices, cameras, etc. For example, audio/visualdevices 306 may include any of several display devices, including aninstrument cluster (including mechanical and/or electronic gauges), anin-dash display, and a head-up display (HUDs). For example, HUDs aretransparent displays used in vehicles to display information (e.g.,speedometer, tachometer, navigation, etc.) on the windshield so a drivercan view the information without looking away from the road. HUD systemstypically include a projection unit, which may be mounted in thedashboard of the vehicle, behind the steering wheel and below thewindshield. In general, the projection unit is configured to project animage onto a combiner (e.g., a half mirror). The combiner redirects theprojected image in a viewing direction of the driver such that thedriver is able to simultaneously see the projected image and the fieldof view (e.g., the road viewed through the windshield). In someconfigurations, the front windshield is used as the reflective surfacefor the projected images instead of the combiner. Some configurationsutilize a transparent phosphor coating on the windshield that reactswith a laser to display information. In some embodiments, theaudio/visual devices 306 include one or more microphones to receiveaudial (e.g., voice) inputs from a user (e.g., a driver or passenger ofthe vehicle 126). In some implementations, the audio/visual devices 306may be configured to determine whether an audial input is provided by adriver or by a passenger.

The electronic control system 308 is operatively coupled to each of thepowertrain 302, the vehicle sensors 304, and the audio/visual devices306 via a bus, such as a Communications Area Network (CAN) bus 314. Theelectronic control system 308 receives signals (e.g., vehicle parameterinputs) from the vehicle sensors 304. The electronic control system 308analyzes the signals received from the vehicle sensors 304 and outputscontrol signals to control various aspects of the powertrain 302 andother vehicle components.

The electronic control system 308 includes various control modules suchas an engine control module (ECM) 316, a telematics/infotainment module318, and other control modules, such as a transmission control module, abody control module, etc. In some embodiments, certain control modulesare integrated into a single module. For example, in certain exampleembodiments, the ECM 316 and the TCM are integrated into a powertraincontrol module (PCM). In addition to receiving signals from vehiclesensors 304, the ECM 316, the telematics module 318, and the othercontrol modules are in operative communication with each other via theCAN bus 314. Each of the ECM 316 and the telematics/infotainment module318 includes a processor and memory. The memory includes program modulesthat, when executed by the processor, control the operation of thevehicle 126. The memory may also store various applications, such as anapplication that facilitates communication between the vehicle 126 andthe various computing systems of the FI computing system 102 and thethird-party computing systems 106. The memory may include anycombination of RAM, ROM, NVRAM, etc.

The telematics/infotainment module 318 is configured to enable thecommunication of information between the vehicle 126, the driver, andthird parties. For example, the telematics/infotainment module 318 maycontrol the information provided via the audio/visual devices 306, suchas operational conditions, financial data, audio/visual entertainment,navigation information, etc. The telematics/infotainment module 318 mayalso be used to automatically or interactively request medical and/orroadside assistance in case of an emergency. The telematics/infotainmentmodule 318 includes a location sensor 320, an I/O device 322, and acontext-based activity circuit 324. The location sensor 320 may includea GPS chipset configured to monitor GPS signals to ascertain thelocation of the vehicle 126. The I/O device 322 may include atransceiver configured to send and receive data over a network (e.g., acellular network, a wireless wide area network (WWAN), wireless localarea network (WLAN), wireless personal area network (WPAN), or anycombination thereof). For example, the I/O device 322 may communicatevia various wireless protocols, such as 802.11, general packet radioservice (GPRS), Universal Mobile Telecommunications System (UMTS), CodeDivision Multiple Access 2000 (CDMA2000), CDMA2000 1× (1×RTT), WidebandCode Division Multiple Access (WCDMA), Time Division-Synchronous CodeDivision Multiple Access (TD-SCDMA), Long Term Evolution (LTE), EvolvedUniversal Terrestrial Radio Access Network (E-UTRAN), Evolution-DataOptimized (EVDO), High Speed Packet Access (HSPA), High-Speed DownlinkPacket Access (HSDPA), IEEE 802.11 (Wi-Fi), 802.16 (WiMAX), ultrawideband (UWB), infrared (IR) protocols, Bluetooth protocols (includingBluetooth low energy (BLE)), wireless universal serial bus (USB)protocols, and/or any other wireless protocol. For example, the I/Odevice 322 may enable communication between the vehicle 126 and each ofthe FI computing system 102, the client devices 104, and the third-partycomputing systems 106.

The I/O device 322 may also interface with the audio/visual devices 306and the vehicle sensors 304 to send and receive data to/from users inthe vehicle 126. For example, the audio/visual devices 306 may includemicrophones, touch-sensitive displays, buttons, knobs, etc. that areconfigured to receive inputs from a user.

The context-based activity circuit 324 of the telematics/infotainmentmodule 318 of the vehicle 126, alone or in conjunction with thecontext-based activity circuit 114 of the FI computing system 102, isconfigured to facilitate various types of user activity based on adetected context. As described above in connection with thecontext-based activity circuit 114, the context-based activity circuit324 may analyze a context of the user by analyzing data received fromany of the FI computing system 102, the client devices 104, and thethird-party computing systems 106. In order to make the context-basedactivity circuit 324, the FI computing system 102 may provide a softwareapplication that is available to be downloaded onto thetelematics/infotainment module 318 (e.g., directly or via an app store).Installation of the software application may then be performed.Thereafter, the thus-modified telematics/infotainment module 318includes the context-based activity circuit 218 (embodied as a processorand instructions stored in non-transitory memory that are executed bythe processor). The telematics/infotainment module 318 may alsointerface with the FI computing system 102 via an API provided by the FIcomputing system 102.

FIG. 4 is a flow diagram of a method 400 of facilitating context-aware,vehicle-based mobile banking, according to an embodiment. The method 400can be performed, for example, by the FI computing system 102 of FIG. 1or, more specifically, by the context-based activity circuit 114 of theFI computing system 102 based on information received from the clientdevices 104 (including the vehicle 126) and/or the third-party computingsystems 106. The method 400 is directed to the technical challenge ofminimizing time and effort required by users to perform online bankingtransactions. For example, to pay off a credit card bill usingconventional online banking systems, a user would have to enter his orher online banking credentials, navigate to the pertinent area of thewebsite, check account balances for the source account being used tomake the payment, and then finally make the payment. Often, the paymentis scheduled for a future date, so paying the bill further includes thestep of scheduling the payment. The method 400 reduces the number ofsteps and the amount of time required to conventionally perform taskssuch as this by facilitating the performance of context-dependent tasks.For example, the method 400 may allow users to perform certain tasksduring down-time events in the vehicle. In doing so, the method 400includes detecting particular contexts (e.g., down-time events) andautomatically presenting tasks to the user that are suitable to beperformed in the detected context. According to various embodiments,tasks may be active (e.g., categorizing transactions into budgetcategories or transferring funds), passive (e.g., viewing a budgetstatus or a targeted advertisement), or any combination thereof.

Among other technical improvements, the method 400 improves the accuracyand granularity of online banking. For example, the method 400 providesusers with more timely information (e.g., providing a user accountbalance and/or budget information as the user is pulling into anexpensive restaurant). The method 400 also obtains information fromusers from a more timely basis (e.g., prompting a user to categorize atransaction into budget categories shortly after leaving a merchant).Accordingly, the method 400 improves both the quality and quantity ofinformation associated with financial accounts of users.

At 402, the FI computing system 102 authenticates the user of thevehicle 126 with a financial account of the user. In some embodiments,to perform the authentication step at 402, the vehicle 126 must havealready been associated with the financial account of the user and theuser must be physically located within the vehicle. Upon completing theauthentication step at 402, the user may access, via the vehicle 126,information relating to one or more of the user's financial accountsthat are managed by the FI computing system 102. Similar steps may beused to authenticate other of the client devices 104 with the FIcomputing system 102.

To authenticate the user at 402, the FI computing system 102 receivesauthentication information from the vehicle 126. The authenticationinformation may be physically entered by the user (e.g., a password orPIN provided by the user via the I/O device 322 of the vehicle 126),non-physically provided by the user (e.g., a voice sample of the userpicked up by a microphone in the vehicle 126), provided by the vehicle126 itself without involving the user (e.g., a customer token), or anycombination thereof. For example, the authentication information mayinclude any of a password, a PIN, a user ID, an answer to a verificationquestion, a biometric (e.g., a picture of the user's face, afingerprint, a voice sample, a retina scan, etc.), an identification ofa security image, or a combination thereof. In some examples, no userauthentication information is required. The authentication informationmay also be provided in the form of a customer token and/or a devicetoken stored on the vehicle 126. The customer token and device token maybe tokens that identify the user and the associated vehicle 126 to thebackend FI computing system 102 in the future. The tokens are initiallycreated by and encrypted by the FI computing system 102 and thentransmitted to the vehicle 126. The tokens may be created as part ofinstalling the FI application on the vehicle 126. After the tokens arecreated and stored on the vehicle 126, the tokens may be used tosupplement or as a substitute for manually entered authenticationprovided by the user via the vehicle 126. In an example embodiment, eachtime the user accesses the FI computing system 102 with a new clientdevice 104, the new client device 104 is assigned its own device token.A device and customer token are stored on each device in order to bindthe device to the user (one client device can have only one userassociated with it, but one user can have multiple client devices). Inother embodiments, a client device 104 may be associated with multipleusers. Once a client device 104 is registered with the user, the usermay be required to manually enter less information during anauthentication process than if the tokens are not present on the clientdevice 104. For example, the user may have an online banking passwordconsisting of a combination of eight or ten or more characters includingnumbers, upper and lower case characters, punctuation marks, and so on.Rather than enter the full online banking password, the user may onlyneed to enter their existing ATM PIN, device password, or otherinformation to be authenticated via the registered device.

The FI computing system 102 compares the received authenticationinformation with stored and verified authentication information relatingto the user. If the provided authentication information does not match,the FI computing system 102 sends a notification to the vehicle 126indicating the information does not match. In these situations, the usermay be prompted to reenter authentication information.

In some embodiments, possession by the user of the registered clientdevice 104 provides an additional level of authentication that avoidsthe need for full login credentials. For example, in someimplementations, once each of the vehicle 126 and another of the clientdevices 104 (e.g., the smartphone 122 and/or the wearable device 124)are registered with the user, authentication is automatically performedwhen the client device 104 is within a certain proximity of the vehicle126 (e.g., detected by exchanging tokens therebetween). In otherimplementations, proximity of the client device 104 and the vehicle 126may permit authentication via less rigid authentication information. Forexample, if the client device 104 and the vehicle 126 are within acertain proximity, authentication may be performed at 402 upon the userinputting a PIN instead of a full password. In another example, if theclient device 104 and the vehicle 126 are within a certain proximity,authentication may be performed at 402 upon the user providing a voicesample. The FI computing system 102 may cross-reference the voice samplewith a database to identify the user using voice biometrics.

According to various embodiments, different levels of authentication maybe required depending on the task. In some embodiments, the user may beauthenticated at a first authentication level via first authenticationinformation and at a second authentication level using secondauthentication information. For example, the user may be authenticatedat the first authentication level based on voice biometrics performed bythe FI computing system 102 on a voice sample, or based on deviceproximity. The user may be permitted to perform certain tasks at thefirst authentication level, such as categorizing transactions intobudget categories. If the user attempts to perform a task involving moreconfidential or otherwise sensitive data (e.g., checking balances,transferring funds, etc.), the vehicle 126 may prompt the user foradditional authentication information to authenticate the user at asecond authentication level. In another example, heightenedauthentication may be required if a payee is not a known biller. Forexample, less stringent authentication may be required for a payee thata user has been paying every month for some time as compared to afirst-time payee. In a further example, no authentication may berequired to display an offer relating to rewards or loyalty points forusing a particular payment device at a merchant upon detecting that thevehicle 126 is within a particular proximity of the merchant. In a stillfurther example, no authentication may be required to provide alerts tothe user, such as fraud alerts.

Various authentication procedures may be utilized to protect againstfraud scenarios that are unique to vehicles. For example, additionalauthentication information may be required depending on vehicleoperating conditions, such as key-off, door open, detected passengerchanges, etc., to guard against car-jacking or other technicalmechanisms for subverting voice or other authentication mechanisms. Inaddition, the FI computing system 102 may utilize different logintime-out parameters (e.g., automatically logging off after beinginactive for a predetermined time) for transactions via the vehicle 126compared to those utilized in conventional online banking platforms. Forexample, login time-out parameters may include vehicle data in additionto conventional user activity data. For example, upon authenticating theuser, the FI computing system 102 may keep the user logged in untilcertain vehicle operating conditions (e.g., a gear change to park event,a key-off event, a door open event, etc.) are detected.

At 404, the context-based activity circuit 114 of the FI computingsystem 102 receives operating data from the vehicle 126. The operatingdata may include any of various types of operating conditions, such asvehicle speed, ignition key position, gear selector position,geolocation, operating time, operating distance, navigation parameters,fuel level, passenger detection, etc. In some embodiments, the operatingdata includes a plurality of operating conditions.

At 406, the context-based activity circuit 114 determines a contextbased on the operating data. Context may include any of several factors,such as context duration, complexity, number of steps, data sensitivity,etc. In some embodiments, the context-based activity circuit 114determines context solely from the operating data. However, in otherembodiments, the context-based activity circuit 114 determines contextbased on different context elements. For example, the operating data mayinclude a first context element and the context-based activity circuit114 may cross-reference a database to determine a second context elementbased on the first context element. For example, the operating data mayinclude a geolocation and the context-based activity circuit 114 maycross-reference a database to determine traffic conditions based on thegeolocation.

In some embodiments, one of the client devices (e.g., the smartphone 122or vehicle 126) cross-references a database to determine a contextelement. The client device 104 may reference a database based on theoperating data received from the vehicle 126 or based on operating datadetermined by the client device 104 (e.g., geolocation determined by thesmartphone 122). The context elements may be first transferred to thevehicle 126 and relayed to the context-based activity circuit 114, ortransferred directly to the context-based activity circuit 114 directlyfrom another device or system (e.g., one of the client devices 104 otherthan the vehicle 126, or one of the third-party computing systems 106).

The context-based activity circuit 114 may receive context elements fromany of several sources, including any of the client devices 104, thethird-party computing systems 106, and other systems. In someimplementations, one or more context elements are received from a deviceor system other than the vehicle 126. In some implementations, thecontext-based activity circuit 114 may receive the context elements inresponse to a query from the context-based activity circuit 114. Thequery may include the first context element (e.g., based on theoperating data). In other implementations, the context-based activitycircuit 114 may receive context elements automatically, without sendinga query. For example, any of the client devices 104 or the third-partycomputing systems 106 may transmit context elements to the context-basedactivity circuit 114 automatically, without receiving a query therefrom.For example, the smartphone 122 may automatically transfer information(e.g., geolocation, call status, navigation parameters, etc.) to thecontext-based activity circuit 114.

For example, the context-based activity circuit 114 may receive ageolocation signal from the vehicle 126 and may cross-reference thegeolocation signal with the mapping and/or traffic analysis systems 128,132 to determine that the vehicle 126 is waiting in line at a pharmacy.In this context, the context-based activity circuit 114 may determinethat the user has sufficient time to categorize a recent purchase into abudget category. Accordingly, the context-based activity circuit 114 maydisplay information relating to the recent purchases and the budgetcategories on the user's vehicle 126 and/or the smartphone 122.

In another example, the context-based activity circuit 114 may receive ageolocation signal from the vehicle 126 and may cross-reference thegeolocation signal with the mapping system 128 to determine that thevehicle 126 is located in the parking lot of a particular merchant atwhich the user has a rewards or loyalty account. In response, thecontext-based activity circuit 114 may cause an ad relating toaccelerated or bonus rewards points to be displayed on a display deviceof the vehicle 126 and/or the smartphone 122.

In another example, the context-based activity circuit 114 may receive ageolocation signal from the vehicle 126 and may cross-reference thegeolocation signal with the mapping and/or traffic analysis systems 128,132 to determine that the vehicle 126 is approaching a stoplight. Themapping and/or traffic analysis systems 128, 132 may provide averagestop times for the stoplight. Accordingly, the context-based activitycircuit 114 may determine the context duration based on the average stoptimes, and may determine that the vehicle will be stopped. In thissituation, the context may indicate that the user may be able to performa more complex task, such as an active task that requires the user tomake decisions and/or look away from the road (e.g., to view and/orenter information on the smartphone 122).

In another example, the context-based activity circuit 114 may receivespeed and geolocation signals from the vehicle 126 and cross-referencethose signals with the traffic analysis systems 128, 132 to determinethat the vehicle 126 is in a traffic jam that is not expected to clearfor a certain amount of time. Accordingly, the context-based activitycircuit 114 may determine the associated context duration based on thetraffic duration. In this situation, the context may indicate that theuser may be able to perform only a simple task, such as a passive taskthat does not require the user to look away from the road or to processcomplex information to make a decision. For example, such a context maybe amenable to voice commands (e.g., balance inquiries).

In another example, the context-based activity circuit 114 may receive asignal related to detection of a passenger in the vehicle. For example,the signal may be received from an occupant classification system (OCS)based on a pressure sensor located in the seat. The signal may alsoinclude relative sound pressure level measurements to identify thelocation of the source of a voice sample.

At 408, the context-based activity circuit 114 of the FI computingsystem 102 selects a task to be performed by the user based on thecontext. The task may relate to a transaction with the financial accountthat the user is anticipated to perform. For example, the context-basedactivity circuit 114 may detect that the user has recently made apurchase that is not yet allocated to a budget. For example, thepurchase may have been made at a big-box retailer that may likelyinclude items from several budget categories (e.g., groceries andclothing). Accordingly, an anticipated task may relate to allocating thepurchase transaction into one or more budget categories. As anotherexample, the context-based activity circuit 114 may detect that autility bill is due in the next week and an anticipated task may relateto paying the utility bill. In some embodiments, the determined contextmay require certain additional levels or types of authentication.

In some embodiments, the context-based activity circuit 114 selects thetask at least in part based on the operating data received at 406. Forexample, the operating data may include a destination inputted into thevehicle's 126 navigation system. The context-based activity circuit 114may determine that the destination is an expensive restaurant.Accordingly, the task may relate to checking balances or budgetinformation before arriving at the restaurant. In another example, thecontext-based activity circuit 114 may detect that the vehicle's 126geolocation is near a particular merchant that the user frequentlyvisits or a merchant that sells items on the user's grocery list orto-do list. Accordingly, the task may relate to displayingadvertisements or offers for the merchant and/or navigating to themerchant.

The context-based activity circuit 114 may also select the task based atleast in part on the complexity of the task relative to the context. Asmentioned above, certain tasks are more complex than others. Forexample, certain tasks (e.g., budget categorization or funds transfers)may require multiple steps and multiple user inputs and may require arelatively long task duration. Other tasks (e.g., balance inquiries) maynot require user inputs and may require a relatively short taskduration. In addition, some tasks may include audio components, visualcomponents, or a combination thereof. Tasks involving a visual componentmay be capable of displaying the visual component on a HUD or mayrequire use of the user's smartphone 122. In addition, user inputs maybe provided from various sources, depending on task requirements. Forexample, user inputs may be made via voice commands or physical inputs,such as via buttons or knobs on the vehicle 126 or via the user'ssmartphone 122. All such factors relate to the complexity of the task.To that end, certain tasks may be amenable to particular contexts,depending on their complexity.

In some embodiments, the context-based activity circuit 114 selects thetask based at least in part on detection of a passenger in the vehicle126. For example, a passenger may be capable of performing more complextasks than a driver. In another example, the presence of a passenger mayaffect task selection, depending on the sensitivity of data that is tobe involved while performing the task. In some examples, thecontext-based activity circuit 114 may request additional permissionfrom the user before performing the task, depending on the presence of apassenger. In another example, the context may indicate whether thepassenger is an infant, a child, or an adult, which may also affect theselection of a task. For example, an infant may not be able tocomprehend finances, so the presence of an infant may not affect theselection of a task. In contrast, a parent may not want financialinformation to be shared with children or other adults.

At 410, performance of the task by the user is facilitated. As mentionedabove, the task may be transmitted to the user via any combination ofaudio and visual components. Furthermore, the task may be augmented withinformation provided via other of the user's client devices 104, such asthe smartphone 122. Performance of the task may include receiving arequest from the user to perform a transaction, and performing thetransaction on the financial account based on the received request.

FIG. 5 is a flow diagram of a method 500 of facilitating context-aware,vehicle-based mobile banking, according to an embodiment. The method 500can be performed, for example, by the FI computing system 102 of FIG. 1or, more specifically, by the context-based activity circuit 114 of theFI computing system 102 based on information received from the clientdevices 104 (including the vehicle 126) and/or the third-party computingsystems 106.

At 502, a user of a vehicle is authenticated with a financial account ofthe user by the FI computing system 102. The vehicle is associated withthe financial account and the user is physically located within thevehicle. At 504, the context-based activity circuit 114 of the FIcomputing system 102 receives operating data from the vehicle 126. At506, the context-based activity circuit 114 determines a context basedon the operating data. The context includes a context duration. Thecontext may be determined solely from the operating data, or fromdifferent context elements. For example, the context may indicate that,based on the geolocation of the vehicle 126, the vehicle 126 is expectedto pass through certain stoplights. The context may further indicatewhich and/or how many stop lights the vehicle 126 is expected to bestopped at. The context duration may indicate the expected length ofeach of the stoplights.

At 508, the context-based activity circuit 114 determines an anticipatedtask relating to the financial account. The anticipated task may relateto transaction history, context, scheduled bills, or any of variousfactors. For example, if the user has recently completed a transaction,the anticipated task may relate to categorizing the transaction into abudget category. In another example, if a user has recently visited arestaurant but has not completed a transaction with the restaurant, theanticipated transaction may relate to transferring funds to anotherindividual to split the bill.

At 510, the context-based activity circuit 114 analyzes the complexityof the anticipated task. The complexity of the anticipated task includesa task duration relating to the expected time required to complete thetask. The complexity may also include other factors, such as whether thetask includes sensitive data or requires data to be inputted by theuser.

At 512, the context duration is compared to the task duration. If at512, the context duration exceeds the task duration, at 512, thecontext-based activity circuit, via the vehicle 126, prompts the user toperform the task. For example, the vehicle 126 may transmit anycombination of audio and/or video messages to the user. In response, theuser may provide an input to the vehicle 126 to complete thetransaction.

In some embodiments, the context-based activity circuit 114 divides thetask into several sub-tasks, and prompts the user to perform each of thesub-tasks. The context-based activity circuit 114 may detect variouscontexts, and may prompt the user to perform different sub-tasksdepending on the detected contexts. For example, the context-basedactivity circuit 114 may detect that the vehicle 126 is anticipated toencounter three or more contexts (e.g., to be stopped at three or morestoplights). For each of the detected contexts, the context-basedactivity circuit ensures that the context duration exceeds the sub-taskduration before prompting the user to perform the correspondingsub-task. For example, upon detecting the first context (e.g.,stoplight), the context-based activity circuit 114 may prompt the userto check an account balance of a source account. Upon detecting thesecond context (e.g., stoplight), the context-based activity circuit 114may prompt the user to configure a payment (e.g., select a paymentamount) for a payment from the source account. Upon detecting the thirdcontext (e.g., stoplight), the context-based activity circuit 114 mayprompt the user to schedule and/or submit the payment.

The embodiments described herein have been described with reference todrawings. The drawings illustrate certain details of specificembodiments that implement the systems, methods and programs describedherein. However, describing the embodiments with drawings should not beconstrued as imposing on the disclosure any limitations that may bepresent in the drawings.

It should be understood that no claim element herein is to be construedunder the provisions of 35 U.S.C. § 112(f), unless the element isexpressly recited using the phrase “means for”.

As used herein, the term “circuit” may include hardware structured toexecute the functions described herein. In some embodiments, eachrespective “circuit” may include machine-readable media for configuringthe hardware to execute the functions described herein. The circuit maybe embodied as one or more circuitry components including, but notlimited to, processing circuitry, network interfaces, peripheraldevices, input devices, output devices, sensors, etc. In someembodiments, a circuit may take the form of one or more analog circuits,electronic circuits (e.g., integrated circuits (IC), discrete circuits,system on a chip (SOCs) circuits, etc.), telecommunication circuits,hybrid circuits, and any other type of “circuit.” In this regard, the“circuit” may include any type of component for accomplishing orfacilitating achievement of the operations described herein. Forexample, a circuit as described herein may include one or moretransistors, logic gates (e.g., NAND, AND, NOR, OR, XOR, NOT, XNOR,etc.), resistors, multiplexers, registers, capacitors, inductors,diodes, wiring, and so on).

The “circuit” may also include one or more processors communicativelycoupled to one or more memory or memory devices. In this regard, the oneor more processors may execute instructions stored in the memory or mayexecute instructions otherwise accessible to the one or more processors.In some embodiments, the one or more processors may be embodied invarious ways. The one or more processors may be constructed in a mannersufficient to perform at least the operations described herein. In someembodiments, the one or more processors may be shared by multiplecircuits (e.g., circuit A and circuit B may comprise or otherwise sharethe same processor which, in some example embodiments, may executeinstructions stored, or otherwise accessed, via different areas ofmemory). Alternatively or additionally, the one or more processors maybe structured to perform or otherwise execute certain operationsindependent of one or more co-processors. In other example embodiments,two or more processors may be coupled via a bus to enable independent,parallel, pipelined, or multi-threaded instruction execution. Eachprocessor may be implemented as one or more general-purpose processors,application specific integrated circuits (ASICs), field programmablegate arrays (FPGAs), digital signal processors (DSPs), or other suitableelectronic data processing components structured to execute instructionsprovided by memory. The one or more processors may take the form of asingle core processor, multi-core processor (e.g., a dual coreprocessor, triple core processor, quad core processor, etc.),microprocessor, etc. In some embodiments, the one or more processors maybe external to the apparatus, for example the one or more processors maybe a remote processor (e.g., a cloud based processor). Alternatively oradditionally, the one or more processors may be internal and/or local tothe apparatus. In this regard, a given circuit or components thereof maybe disposed locally (e.g., as part of a local server, a local computingsystem, etc.) or remotely (e.g., as part of a remote server such as acloud based server). To that end, a “circuit” as described herein mayinclude components that are distributed across one or more locations.

An exemplary system for implementing the overall system or portions ofthe embodiments might include a general purpose computing computers inthe form of computers, including a processing unit, a system memory, anda system bus that couples various system components including the systemmemory to the processing unit. Each memory device may includenon-transient volatile storage media, non-volatile storage media,non-transitory storage media (e.g., one or more volatile and/ornon-volatile memories), etc. In some embodiments, the non-volatile mediamay take the form of ROM, flash memory (e.g., flash memory such as NAND,3D NAND, NOR, 3D NOR, etc.), EEPROM, MRAM, magnetic storage, hard discs,optical discs, etc. In other embodiments, the volatile storage media maytake the form of RAM, TRAM, ZRAM, etc. Combinations of the above arealso included within the scope of machine-readable media. In thisregard, machine-executable instructions comprise, for example,instructions and data which cause a general purpose computer, specialpurpose computer, or special purpose processing machines to perform acertain function or group of functions. Each respective memory devicemay be operable to maintain or otherwise store information relating tothe operations performed by one or more associated circuits, includingprocessor instructions and related data (e.g., database components,object code components, script components, etc.), in accordance with theexample embodiments described herein.

It should also be noted that the term “input devices,” as describedherein, may include any type of input device including, but not limitedto, a keyboard, a keypad, a mouse, joystick or other input devicesperforming a similar function. Comparatively, the term “output device,”as described herein, may include any type of output device including,but not limited to, a computer monitor, printer, facsimile machine, orother output devices performing a similar function.

Any foregoing references to currency or funds are intended to includefiat currencies, non-fiat currencies (e.g., precious metals), andmath-based currencies (often referred to as cryptocurrencies). Examplesof math-based currencies include Bitcoin, Litecoin, Dogecoin, and thelike.

It should be noted that although the diagrams herein may show a specificorder and composition of method steps, it is understood that the orderof these steps may differ from what is depicted. For example, two ormore steps may be performed concurrently or with partial concurrence.Also, some method steps that are performed as discrete steps may becombined, steps being performed as a combined step may be separated intodiscrete steps, the sequence of certain processes may be reversed orotherwise varied, and the nature or number of discrete processes may bealtered or varied. The order or sequence of any element or apparatus maybe varied or substituted according to alternative embodiments.Accordingly, all such modifications are intended to be included withinthe scope of the present disclosure as defined in the appended claims.Such variations will depend on the machine-readable media and hardwaresystems chosen and on designer choice. It is understood that all suchvariations are within the scope of the disclosure. Likewise, softwareand web implementations of the present disclosure could be accomplishedwith standard programming techniques with rule based logic and otherlogic to accomplish the various database searching steps, correlationsteps, comparison steps and decision steps.

The foregoing description of embodiments has been presented for purposesof illustration and description. It is not intended to be exhaustive orto limit the disclosure to the precise form disclosed, and modificationsand variations are possible in light of the above teachings or may beacquired from this disclosure. The embodiments were chosen and describedin order to explain the principals of the disclosure and its practicalapplication to enable one skilled in the art to utilize the variousembodiments and with various modifications as are suited to theparticular use contemplated. Other substitutions, modifications, changesand omissions may be made in the design, operating conditions andarrangement of the embodiments without departing from the scope of thepresent disclosure as expressed in the appended claims.

What is claimed is:
 1. A computer-implemented method, comprising:authenticating, by a first processor of a financial institution (FI)computing system, a user of a vehicle with a financial account of theuser, the vehicle being associated with the financial account and theuser being physically located within the vehicle; receiving, by thefirst processor, data relating to the vehicle; identifying, by the firstprocessor based on the data, a selected task to be performed by theuser; comparing, by the first processor, a task duration to an expectedduration determined based on the data; in response to determining thatthe expected duration exceeds the task duration, causing, by the firstprocessor, a prompt to be transmitted to the user comprising:transmitting, by the first processor via a first network, the prompt toa module of the vehicle, the module comprising a second processor and amemory, wherein the second processor is communicatively coupled to theFI computing system via the first network; causing a user device to runan application; transmitting, by the second processor of the module viaa second network, the prompt to perform the selected task to the userdevice; and receiving, by the first processor, an input provided fromthe user device via the application to complete the selected task. 2.The method of claim 1, further comprising determining, by the firstprocessor, a context based on the data, the context including an atleast one of geolocation information of the vehicle, proximityinformation regarding a merchant location relative to a location of thevehicle, a down-time event associated with the vehicle, a drivingindicator for the vehicle, weather-related information, or trafficinformation.
 3. The method of claim 1, further comprising: determining,by the first processor, map information and traffic information from aGPS signal of the vehicle; and wherein the data includes a geolocationsignal of the vehicle and the geolocation signal is based on the GPSsignal.
 4. The method of claim 3, further comprising: determining, bythe first processor, a context based on the data, the context includingthe expected duration; and wherein determining the context includescross-referencing the geolocation signal with at least one of the mapinformation or the traffic information.
 5. The method of claim 1,wherein the selected task comprises a funds transfer.
 6. The method ofclaim 1, wherein the input provided from the user device includes atleast one of an input to a touchscreen display or an audio input.
 7. Themethod of claim 1, further comprising: receiving, by the first processorfrom the vehicle, a request to perform a transaction, the transactionrelating to the selected task; and performing, by the first processor,the transaction on the financial account based on the received request.8. The method of claim 1, wherein the selected task comprises anadvertisement displayed on the user device.
 9. The method of claim 1,wherein the data is transmitted from the vehicle to the first processorvia the user device.
 10. The method of claim 1, wherein the user deviceis associated with the financial account of the user, and wherein theuser is authenticated based at least in part on a detected proximity ofthe user device to the vehicle.
 11. The method of claim 1, wherein theuser is authenticated based at least in part on authenticationinformation provided by the user to the vehicle.
 12. A system,comprising: a server system comprising a first processor andinstructions stored in non-transitory machine-readable media, theinstructions configured to cause the server system to: authenticate auser of a vehicle with a financial account of the user, the vehiclebeing associated with the financial account and the user beingphysically located within the vehicle; receive data relating to thevehicle; identify a selected task to be performed by the user within thevehicle; compare a task duration to an expected duration determinedbased on the data; in response to determining that the expected durationexceeds the task duration, cause a prompt to be transmitted to the usercomprising: transmitting, via a first network, the prompt to a module ofthe vehicle, the module comprising a second processor and a memory,wherein the second processor is communicatively coupled to a financialinstitution computing system via the first network; cause a user deviceto run an application; transmit, by the second processor of the modulevia a second network, the prompt to perform the selected task to theuser device; and receive an input provided from the user device via theapplication to complete the selected task.
 13. The system of claim 12,further comprising determining a context based on the data, the contextincluding an at least one of geolocation information of the vehicle,proximity information regarding a merchant location relative to alocation of the vehicle, a down-time event associated with the vehicle,a driving indicator for the vehicle, weather-related information, ortraffic information.
 14. The system of claim 12, further comprising:determining map information and traffic information from a GPS signal ofthe vehicle; and wherein the data includes a geolocation signal of thevehicle and the geolocation signal is based on the GPS signal.
 15. Thesystem of claim 14, further comprising: determining a context based onthe data, the context including the expected duration; and whereindetermining the context includes cross-referencing the geolocationsignal with at least one of the map information or the trafficinformation.
 16. The system of claim 12, wherein the input provided fromthe user device includes at least one of an input to a touchscreendisplay or an audio input.
 17. A non-transitory computer-readable mediumhaving processor-readable instructions stored thereon such that, whenexecuted by a first processor, the instructions cause the firstprocessor to perform operations comprising: authenticating a user of avehicle with a financial account of the user, the vehicle beingassociated with the financial account and the user being physicallylocated within the vehicle; receiving data relating to the vehicle;identifying a selected task to be performed by the user within thevehicle; comparing a task duration to an expected duration determinedbased on the data; in response to determining that the expected durationexceeds the task duration, causing a prompt to be transmitted to theuser comprising: transmitting, by the first processor via a firstnetwork, the prompt to a module of the vehicle, the module comprising asecond processor and a memory, wherein the second processor iscommunicatively coupled to a financial institution computing system viathe first network; causing a user device to run an application;transmitting, by the second processor of the module via a secondnetwork, the prompt to perform the selected task to the user device; andreceiving an input provided from the user device via the application tocomplete the selected task.
 18. The non-transitory computer-readablemedium of claim 17, wherein the instructions, when executed by the firstprocessor, cause the first processor to perform operations furthercomprising determining a context based on the data, the contextincluding an at least one of geolocation information of the vehicle,proximity information regarding a merchant location relative to alocation of the vehicle, a down-time event associated with the vehicle,a driving indicator for the vehicle, weather-related information, ortraffic information.
 19. The non-transitory computer-readable medium ofclaim 17, wherein the instructions, when executed by the firstprocessor, cause the first processor to perform operations furthercomprising: determining map information and traffic information from aGPS signal of the vehicle; and wherein the data includes a geolocationsignal of the vehicle and the geolocation signal is based on the GPSsignal.
 20. The non-transitory computer-readable medium of claim 17,wherein the selected task includes providing information to the userrelating to the financial account.